The new Bankruptcy Law requires all debtors to fulfill two education requirements: a credit counseling course within 180 prior to filing your Bankruptcy Petition, and a financial management course before obtaining a discharge.
IMPORTANT: Failure to complete either of these courses and file the appropriate certificates with the court will prevent a successful bankruptcy. The Chapter 13 Trustee will offer the required courses to Chapter 13 debtors, but Chapter 7 debtors are required to take the courses on their own.
All bankruptcy education courses are available in person, by phone, or over the internet and are approved for the district in which you are filing. You may get additional information about the costs and availability of debtor education at one or more of the following agencies approved for the Middle District of Florida:
In Charge Education Foundation, Inc.
GreenPath Debt Solutions
Institute for Financial Literacy
Money Management International, Inc.
Novadebt
Contact the Orlando Bankruptcy Lawyers at The Law Office of James W. Hart if you have any questions about Bankruptcy Information Florida or where to take your pre-filing Bankruptcy credit counseling course.
Law Offices of James W. Hart
809 Irma Avenue, Suite 3
Orlando, FL 32803
Phone: 407-839-4340
Fax: 407-386-7474
